PayPal fees are always fair.

Buying is free with us when you purchase in the U.S. When you sell with us, you get some of the most competitive rates in the business. It’s 2.9% + $0.30 per transaction. The proof is in the percentages below.

Buying is free within the US.

Buying online or in-store purchases

We don't think it makes any sense to charge you fees for buying online or in-store in the US. Spend freely (but wisely).

Selling is 2.9% + $0.30 per sale.

That's a small price to pay for accepting major forms of payment from any of the million active customers worldwide. There are no hidden PayPal fees. You don't have to pay anything until you get paid for selling something. Our rates are some of the most competitive in the industry – keeping you in business and your customers happy.

2.7% when you swipe a card or 3.5% plus $0.15 for manually entered transactions

Transferring balance from Personal Accounts.

If you are a U.S. PayPal account holder, you can transfer money out of your balance in two ways.* Transfers made using your linked bank account are always free and are usually deposited the next business day.** Now, with Instant Transfer, for a low fee you can transfer funds to your bank account even faster using your eligible debit card. Transfers using a debit card are typically completed in minutes. *** You can choose between your linked bank account(s) and any eligible debit cards when you make a transfer. Eligible debit cards include Visa and MasterCard debit that participate in Instant Transfers. Participation of these cards is driven by the card issuer.

Linked bank account

Free

Instant Transfer with eligible linked debit card

1% of amount transferred, with a maximum fee of $10.00

Instant Transfer Withdrawal Limits for Personal Accounts

Up to $5,000 per transaction

Up to $5,000 per day

Up to $5,000 per week

Up to $15,000 per month

*All transfers are subject to review and could be delayed or stopped if we identify an issue.

**Bank transfers made after 7:00 PM ET or on weekends or holidays take longer.

***Instant Transfers may take up to 30 minutes and may vary by bank.

Sending money to friends and family.

We’ll always post the current fees for sending money to friends and family on this page, and we will disclose the fees to you in advance each time you initiate a transaction to send money to a friend or family member. These fees may change from time to time, and most changes to these fees will be deemed effective at the time and date of posting. If these fees ever increase, we will provide you 30 days advance notice on our Policy Updates page. You must have or open a PayPal account to send or receive money.

Sending in the U.S.

If you are a U.S. PayPal account holder sending money to a friend or family member with a PayPal account in the U.S., you may pay a fee, depending on how you pay.

2.9% of the amount funded this way, plus a fixed fee (from the table below) based on the currency of the transaction.

Sending to other countries.

If you are a U.S. PayPal account holder sending money to a friend or family member with a PayPal account in a country other than the U.S., the fee you pay depends on the Payment Method used, which country the recipient’s account is in, and the amount you are sending.